Consumer Driven Option pharmacy benefits for our federal plans
OptumRx provides pharmacy benefits for Consumer Driven Option members and features more than 67,000 pharmacies, including large national chains, community pharmacies, OptumRx Home Delivery, and Optum Specialty.
Coverage for retail and mail-order prescriptions
Consumer Driven Option 2026 prescription coverage
Network retail
Tier 1/Tier 2
Lower cost/Mid-range cost
Tier 3
Highest cost
In-network you pay
25% ($15 min/$200 max per Rx) for a 30-day supply
$400 for a 60-day supply
$600 for a 90-day supply
40% ($15 min/$300 max per Rx) for a 30-day supply
$600 for a 60-day supply
$900 for a 90-day supply
Network home delivery
Tier 1/Tier 2
Lower cost/Mid-range cost
Tier 3
Highest cost
25% ($10 min/$200 max per Rx) for a 30-day supply
$400 for a 60-day supply
$600 for a 90-day supply
40% ($10 min/$300 max per Rx) for a 30-day supply
$600 for a 60-day supply
$900 for a 90-day supply
Explore 2026 Consumer Driven Option formulary drugs
Access your Consumer Driven Option pharmacy account
Log in to your member portal for coverage specifics.
Calculate the cost of your medications
Visit the OptumRX drug pricing tool.
During your deductible phase, members are responsible for the total cost of medication.
Your prescription drugs are covered 100%
Your Personal Care Account (PCA) covers 100% of eligible expenses, including prescription drugs. If you fill a prescription when you have benefit dollars available in your PCA, the funds will be applied, and you’ll pay nothing.
Save money on your prescriptions
Receive a discount when you use OptumRx Home Delivery. When you order or refill a prescription by mail, the discounted cost of the medication will be subtracted from your PCA.
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Monday – Friday, 8 am – 8 pm CT
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